4612 Oats StHoustonTX77020
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4612 Oats St, Houston, TX, 77020 in Houston earns its strong cash-flow label: 11.03% yield, $3,299/mo rent, $746/mo net income, DSCR 2.04. The $359,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $99,185 by year five. Combined with $3,306/yr in principal paydown, total projected return reaches $185,638.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $746 | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,299 |
| Total Monthly Debt Service | $2,410 |
| DSCR Ratio | 1.37x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2021
2,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77020, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,365 (100%) |
| Owner Occupied HU | 4,634 (44.7%) |
| Renter Occupied HU | 4,606 (44.4%) |
| Vacant Housing Units | 1,125 (10.9%) |
| Median Home Value | $166,126 |
| Average Home Value | $235,260 |
Housing Distribution
Address Breakdown
Residential
9,635
Single Family
8,495
Multi-Family
1,140
Businesses
1,009
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2021
2,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77020, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,365 (100%) |
| Owner Occupied HU | 4,634 (44.7%) |
| Renter Occupied HU | 4,606 (44.4%) |
| Vacant Housing Units | 1,125 (10.9%) |
| Median Home Value | $166,126 |
| Average Home Value | $235,260 |
Housing Distribution
Address Breakdown
Residential
9,635
Single Family
8,495
Multi-Family
1,140
Businesses
1,009
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices